Web Site Terms and Conditions of Use
1. Terms
By accessing this web site, you are agreeing to be bound by these web site Terms and Conditions of Use, all applicable laws and regulations, and agree that you are responsible for compliance with any applicable local laws. If you do not agree with any of these terms, you are prohibited from using or accessing this site. The materials contained in this web site are protected by applicable copyright and trade mark law.
2. Use License
a. Permission is granted to temporarily download one copy of the materials (information or software) on Budgeting Essentials Company web sites, including katheil.com, budgetet.com, my.budgetet.com, danheiland.com, budgetingessentials.com or training.budgetingessentials.com. You arrived at this Terms & Conditions page from one of the above sites, referred to herein as “Budgeting Essentials Company web site” or "COMPANY" for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title, and under this license you may not:
i. modify or copy the materials;
ii. use the materials for any commercial purpose, or for any public display (commercial or non-commercial);
iii. attempt to decompile or reverse engineer any software contained on this web site;
iv. remove any copyright or other proprietary notations from the materials; or
v. transfer the materials to another person or "mirror" the materials on any other server.
b. This license shall automatically terminate if you violate any of these restrictions and may be terminated by Budgeting Essentials Company at any time. Upon terminating your viewing of these materials or upon the termination of this license, you must destroy any downloaded materials in your possession whether in electronic or printed format.
3. Intellectual Property
You acknowledge and agree that all content and materials available on this website are protected by copyrights, trademarks, service marks, patents, trade secrets, or other proprietary rights and laws. Except as expressly authorized by COMPANY, you agree not to sell, license, rent, modify, distribute, copy, reproduce, transmit, publicly display, publicly perform, publish, adapt, edit, or create derivative works from such materials or content.
As noted above, reproduction, copying, or redistribution for commercial purposes of any materials or design elements on this website is strictly prohibited without the express written permission of COMPANY. For information on requesting such permission, please contact us at This email address is being protected from spambots. You need JavaScript enabled to view it..
4. Disclaimer
The materials on Budgeting Essentials Company web sites are provided "as is". Budgeting Essentials Company makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties, including without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights. Further, Budgeting Essentials Company does not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials on its Internet web site or otherwise relating to such materials or on any sites linked to this site.
5. Order and Return Policies
All software & training purchases are final and non-returnable, meaning once you have initiated the download or accessed the software, you are not eligible for a refund under any circumstances, even if you decide you no longer need the software. Please carefully review your purchase before confirming as all sales are considered final.
6. Product Delivery / Membership Site / Conduct
i. For products that you purchase from us that are delivered through a download link, you will be given a URL to access and download the product(s) you purchased. In such instances, you agree not to share the download link with other people who did not purchase the product(s).
ii. For products that you purchase from us that are delivered through a membership site, you will be given a user name and password to access the course materials and tools. In such instances, you agree not to share your login information with other people who did not purchase the product(s). You will not sell access to this program or duplicate and sell any of its content without written permission.
iii. Where applicable, the membership site is meant for informational purposes only. It is not intended as specific medical, legal, commercial, financial, tax or other professional advice. Use of the information on the membership site and this website are at your own risk.
iv. Use of content, unless otherwise stated, is for your own personal, non-commercial use. You may not distribute content, print multiple copies, or use the content for public display or performance unless otherwise stated.
v. We reserve the right to discontinue or modify without notice or liability, any portion of this website.
vi. You affirm, represent, and warrant that your participation on this website and the content you submit does not relate to pornography, illegal activities of any kind, occult, hate, or racism. You also represent and warrant that content you submit does not violate the intellectual property rights of third parties. Company reserves the right to make the final decision regarding what is appropriate. Company further reserves the right to remove content or terminate your account without prior notice for a violation of this provision.
vii. You understand and agree to not place an unreasonable burden on the server hosting this website or membership site, to not interfere with the running of this website and to not attempt unauthorized access to any portion of this website.
viii. You understand and agree not to provide false information about yourself, to impersonate another individual or provide misleading or false content.
ix. You agree that any ideas, suggestions, or improvements that you provide to Company about Company’s products or services shall be owned by Company and that Company is free to include such ideas in future products without compensation to you.
x. You hereby warrant that any information you submit to COMPANY through this website is owned by you and that you have the necessary authority to submit such information. You hereby grant COMPANY a royalty-free, perpetual, worldwide license to display, modify, adapt, create derivative works from, and otherwise use any suggestions, ideas, and information that you provide to COMPANY.
7. Limitations
In no event shall Budgeting Essentials Company or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption,) arising out of the use or inability to use the materials on Budgeing Essentials Company Internet sites, even if Budgeting Essentials Company or a Budgeting Essentials Company authorized representative has been notified orally or in writing of the possibility of such damage. Because some jurisdictions do not allow limitations on implied warranties, or limitations of liability for consequential or incidental damages, these limitations may not apply to you.
8. Revisions and Errors
The materials appearing on Budgeting Essentials Company web sites could include technical, typographical, or photographic errors. Budgeting Essentials Company does not warrant that any of the materials on its web site are accurate, complete, or current. Budgeting Essentials Company may make changes to the materials contained on its web site at any time without notice. Budgeting Essentials Company does not, however, make any commitment to update the materials.
9. Links
Budgeting Essentials Company has not reviewed all of the sites linked to its Internet web site and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement by Budgeting Essentials Company of the site. Use of any such linked web site is at the user's own risk.
10. Indemnification
Upon a request by Budgeting Essentials Company, you agree to defend, indemnify, and hold Budgeting Essentials Company and its other affiliated companies harmless, and their owners, employees, contractors, officers, and directors from all liabilities, claims, and expenses, including attorney’s fees, that arise from your misuse of this website or from your violation of the terms and conditions stated herein.
11. Severability and Integration
Unless otherwise specified herein, this agreement constitutes the entire agreement between you and Budgeting Essentials Company with respect to this website and supersedes all prior or contemporaneous communications between you and Budgeting Essentials Company with respect to this website. If any part of these Terms and Conditions is held invalid or unenforceable, that portion shall be construed in a manner consistent with applicable law to reflect, as nearly as possible, the original intentions of the parties, and the remaining portions shall remain in full force and effect.
12. Site Terms of Use Modifications
Budgeting Essentials Company may revise these terms of use for its web site at any time without notice. By using this web site you are agreeing to be bound by the then current version of these Terms and Conditions of Use.
13. Governing Law
Any claim relating to Budgeting Essentials Company web sites shall be governed by the laws of the State of Florida without regard to its conflict of law provisions. You hereby consent to binding arbitration in the State of Florida to resolve any disputes arising under this Terms and Conditions.
ARBITRATION MUST BE ON AN INDIVIDUAL BASIS. THIS MEANS NEITHER YOU NOR WE MAY JOIN OR CONSOLIDATE CLAIMS IN ARBITRATION BY OR AGAINST OTHER CUSTOMERS, OR LITIGATE IN COURT OR ARBITRATE ANY CLAIMS AS A REPRESENTATIVE OR MEMBER OF A CLASS OR IN A PRIVATE ATTORNEY GENERAL CAPACITY.
